NO ANNUAL FEE 1
Earn a $100 Cash Back Bonus
After spending $500 on purchases in the first 90 days 2
The AARP ® Travel Rewards Mastercard ® from Barclays
Travel well rewarded – with no annual fee 1
Earn unlimited 3% cash back on Airfare, Hotel Stays and Car Rentals 2
Earn unlimited 2% cash back on Restaurant purchases 2
Earn unlimited 1% cash back on all other purchases 2
Helping older adults make essential connections 2,3
Essential Connections Powered by Barclays
With a focus on social interactions, Essential Connections Powered by Barclays supports AARP Foundation’s efforts to equip older adults with the tools they need to stay physically & mentally healthy and connected to their communities
Barclays to donate up to $1 million annually
With a focus on increasing social connections among older adults, Barclays will donate to AARP Foundation
Barclays making a difference
Barclays will donate $10 for every new AARP ® Travel Rewards Mastercard ® from Barclays credit card account that's opened, plus 1% of all eligible electronic and telecommunication purchases made with the card
Barclays and AARP Foundation working together
For more information on how older adults can be helped through social connections visit: connect2affect.org
More exclusive cardmember benefits
Unlimited Rewards That Never Expire
There’s no limit to the amount of rewards you can earn, and they’ll never expire as long as your account is open and in good standing. 2
$0 Fraud Liability Protection
You’ll never be responsible for unauthorized charges made on your account.
Easy Redemption Process
We make it easy to redeem for cash back, AARP memberships and more. Simply set up and manage your account at www.BarclaysUS.com. 2
Low Intro Rate on Balance Transfers
0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply: 21.99%, 25.99%, or 29.99% based on your creditworthiness. There is a fee for balance transfers. 1
AARP Membership Redemption
Redeem rewards for an AARP membership for yourself or as a gift, starting at just $16. 2
No Foreign Transaction Fees
No foreign transaction fees on international purchases. 1
AARP ® Travel Rewards Mastercard ® from Barclays
- Terms & Conditions
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Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions .
This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.
Annual Fee is $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 21.99%, 25.99%, or 29.99%, depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 29.99%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.
Conditions and limitations apply. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.
From April 1, 2023 to March 31, 2024, Barclays Bank Delaware (Barclays) will donate $10 for every newly approved AARP-branded credit card from a Barclays account that is used within the first 90 days of account opening and 1% of all eligible electronic and telecommunications purchases made with the card to AARP Foundation, in support of efforts to increase social connection. Total maximum donation by Barclays is $1 million annually. As AARP's charitable affiliate, AARP foundation works to end senior poverty by helping people over 50 build economic opportunity, emphasizing equitable outcomes.
The AARP Travel Rewards Mastercard from Barclays is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard and World Elite Mastercard are a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
AARP member benefits are provided by third parties, not by AARP or its affiliates. Barclays Bank Delaware (Barclays) pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some Barclays offers are subject to change and may have restrictions. Please contact Barclays directly for details.
© 2024 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.
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Credit Cards > Reviews
AARP Travel Rewards Mastercard from Barclays review: A surprisingly robust no-annual-fee cash-back travel rewards card
Sarah Brady
Glen Luke Flanagan
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
Updated 9:43 a.m. UTC March 13, 2024
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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .
The AARP® Travel Rewards Mastercard® * The information for the AARP® Travel Rewards Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. charges no annual fee and earns a cash-back rate on travel and dining that rivals some of the most premium cards on the market— and you don’t have to be an AARP member to apply. It also provides a solid introductory APR on balance transfers in case you’re looking to pay down high-interest debt from another credit card.
AARP Travel Rewards Mastercard basics
- Annual fee: $0.
- Welcome bonus: $100 cash back after spending $500 on purchases in the first 90 days of account opening.
- Rewards: Earn 3% cash back on airfare, hotel stays and car rentals, 2% cash back on restaurant purchases and 1% cash back on other purchases.
- APR: 0% intro APR on balance transfers for the first 15 months on balance transfers completed within the first 45 days. After, a variable APR of 21.99%, 25.99% or 29.99% will apply on purchases and balance transfers. There’s a 5% or $5 balance transfer fee, whichever is greater.
- Other perks and benefits: Ability to redeem rewards for an AARP membership; Barclays will donate 1% of eligible purchases to the AARP Foundation, and will donate $10 for every new account; no foreign transaction fees.
- Does the issuer offer a preapproval tool? No.
- Recommended credit score: Good to excellent.
About the AARP Travel Rewards Mastercard
The AARP Travel Rewards Mastercard from Barclays earns 3% cash back on airfare, hotel stays and car rentals, 2% cash back on restaurant purchases and 1% cash back on other purchases. The rate on eligible travel is as good as many pricier travel cards on the market and the earnings on restaurant dining are solid too, although the rewards on all other purchases leave something to be desired.
However, this $0-annual-fee card isn’t just a rewards card — it’s also designed for balance transfers .
New cardholders enjoy a 0% intro APR on balance transfers for the first 15 months on balance transfers completed within the first 45 days. After, a variable APR of 21.99%, 25.99% or 29.99% will apply on purchases and balance transfers. There’s a 5% or $5 balance transfer fee, whichever is greater.
You don’t have to be an AARP member to apply, so if you want to earn cash back on your travel and dining without an annual fee or transfer a balance you’re carrying on a card from a different issuer, this card could be a fit for you. The difference between a card like this and one with an annual price tag is that, typically, you’ll get a more robust slate of perks in exchange for that annual fee, like travel insurances and protections, the ability to transfer your earnings to travel transfer partners or free checked baggage perks. This card offers none of that, but it also won’t cost you anything to carry.
- Great cash-back rate on eligible travel purchases.
- Intro APR on balance transfers for more than a year.
- No annual fee or foreign transaction fees.
- No ability to transfer rewards to travel partners.
- Competing cards may earn higher rewards.
- Most redemption options have a $25 minimum.
- Lacks meaningful perks or benefits.
With the AARP Travel Rewards Mastercard, cardholders earn elevated rewards on travel and dining. Specifically, 3% cash back on airfare, hotel stays and car rentals, 2% cash back on restaurant purchases and 1% cash back on other purchases. There’s also a welcome bonus of $100 cash back after spending $500 on purchases in the first 90 days of account opening.
Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for the AARP Travel Rewards Mastercard from Barclays has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card. Here’s a breakdown of how much you could earn in cash back from your annual credit card spending based on that estimate:
Rewards don’t expire while the account is open and in good standing and there’s no cap on what you can earn.
You can deposit your rewards into a checking or savings account, redeem it as a statement credit or use it to purchase gift cards, merchandise or AARP memberships.
It’s worth noting that if you put $25,087 in expenses on a credit card earning a flat 2% cash back on every purchase, you’d earn $501.74 back. That beats the AARP Travel Rewards Mastercard when used for the same spend. If you do opt to use the AARP Travel Rewards Mastercard, consider using it only for travel and dining purchases, and putting everything else on a card such as the Wells Fargo Active Cash® Card that offers 2% cash rewards on purchases.
There is a 0% intro APR on balance transfers for the first 15 months on balance transfers completed within the first 45 days. After, a variable APR of 21.99%, 25.99% or 29.99% will apply on purchases and balance transfers. There’s a 5% or $5 balance transfer fee, whichever is greater.
This offer makes the AARP Travel Rewards Mastercard from Barclays attractive for consumers seeking a balance transfer card to pay down existing debt, though the balance transfer fee is a bit on the high side.
Purchases don’t get a low intro period, and are subject to the regular 21.99%, 25.99% or 29.99% variable APR.
How the AARP Travel Rewards Mastercard compares to other rewards cards
Aarp travel rewards mastercard vs. bank of america® travel rewards credit card.
The Bank of America Travel Rewards credit card keeps things simple, earning 1.5 points per $1 on purchases. There’s also a welcome bonus of 25,000 points after spending $1,000 on purchases in the first 90 days of account opening. Points are worth 1 cent each if redeemed to cover past travel or dining purchases, less if redeemed for cash back.
And, if you’re a member of Bank of America’s Preferred Rewards® program, you could boost your rewards rate by 25% to 75%.
You’ll pay no annual fee and no foreign transaction fees with the Bank of America Travel Rewards credit card.
There’s a 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 18.24% to 28.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.
AARP Travel Rewards Mastercard vs. Bilt World Elite Mastercard®
Anyone seeking a no-annual-fee travel rewards card will find a lot to love about the Bilt Card . It charges no annual fee, no foreign currency conversion fees and points can transfer to more than a dozen travel partners.
Cardholders earn 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
When paying rent, Bilt lets you avoid the transaction fee often charged for paying rent by credit card. For example, Bilt can mail a check to your landlord, or set up a routing number for you to pay via your online portal.
In addition to being able to transfer points 1:1 to Bilt’s airline and hotel partners, you can redeem your rewards to book travel in the Bilt portal, in which case you get a value of 1.25 cents per point. The card also comes with trip delay reimbursement, trip cancellation and interruption protection and an auto rental collision damage waiver — all valuable perks you don’t normally find on a card with no annual fee.
AARP Travel Rewards Mastercard vs. Chase Freedom Unlimited®
The no-annual-fee Chase Freedom Unlimited earns 5% cash back on travel purchased through Chase Travel, 3% cash back on eligible dining and drugstore purchases and 1.5% cash back on all other purchases.
There’s a welcome bonus where new cardholders can earn 1.5% back on everything bought in the first year on up to $20,000 in spending, which is worth up to $300.
Cardholders also enjoy a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days. After that, a fee of either $5 or 5% of each transfer applies.
Be aware the Freedom Unlimited charges a 3% of each transaction in U.S. dollars foreign transaction fee, so it’s not ideal for travel abroad.
Should you get the AARP Travel Rewards Mastercard?
Not all balance transfer credit cards offer rewards, so the AARP Travel Rewards Mastercard stands out as a card with both a solid balance transfer intro offer and ongoing value in the form of a cash-back program.
However, the intro APR doesn’t apply to purchases, only to transferred balances. And at 21.99%, 25.99% or 29.99% variable, the regular APR is high, so this card isn’t the best choice for financing a big-ticket item.
Lastly, while it’s got “travel rewards” in the name, there are better travel rewards credit cards on the market that allow you to transfer rewards to airline and hotel partners and come with trip and baggage protections.
The AARP Travel Rewards Mastercard isn’t a bad card, especially when you consider that it earns good rewards on travel for no annual fee. But if you’re seeking a true travel card, there are other options that will likely suit you better.
AARP Travel Rewards Mastercard summary
Frequently asked questions (faqs).
You’ll need good or better credit to qualify for the AARP Travel Rewards Mastercard from Barclays, but the specific credit score requirement isn’t disclosed by Barclays or AARP. Typically, good credit is considered a FICO Score of 670 or higher.
The AARP Travel Rewards Mastercard is issued by Barclays Bank Delaware (Barclays).
The AARP Travel Rewards Mastercard from Barclays can be a good credit card for someone who spends a lot of money on travel and dining, since you’ll earn elevated cash-back rates on those purchases. But it doesn’t let you transfer rewards to travel partners, is thin on benefits, and there are cards with higher rewards rates .
It can also be a good option for someone shopping around for a balance transfer card , as the intro period on transferred debt is more than a year. However, there are cards on the market with lower balance transfer fees.
*The information for the AARP® Travel Rewards Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
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Sarah Brady is a personal finance writer and educator who's been helping individuals and entrepreneurs improve their financial wellness since 2013. Sarah's other publications include Investopedia, Experian, the National Foundation for Credit Counseling (NFCC), Credit Karma and LendingTree and her work has been syndicated by Yahoo! News and MSN. She is also a former HUD-Certified Housing Counselor and NFCC-Certified Credit Counselor.
Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.
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From April 1, 2023 to March 31, 2024, Barclays Bank Delaware (Barclays) will donate $10 for every newly approved AARP-branded credit card from a Barclays account that is used within the first 90 days of account opening and 1% of all eligible electronic and telecommunications purchases made with the card to AARP Foundation, in support of efforts to increase social connection.
10% off the best available rate. Access deals on travel, including vacation packages, car rentals, cruises, flights and more. Save with these travel discounts and benefits from AARP.
The AARP Travel Rewards Mastercard from Barclays earns 3% cash back on airfare, hotel stays and car rentals, 2% cash back on restaurant purchases and 1% cash back on other purchases. The rate on ...